4001 Santa Maria St
Coral Gables, FL 33146 · single_family · For Sale · 368 days on market
Asking price$3,800,000
5 beds 4 baths 3,166 sqft
Suggested offer$3,234,396$565,604 above the est. market value of $3,234,396.
View on Realtor.com →Listed by Maria Padilla · Padilla Real Estate Group
Typesingle_family
Built1953
Price / sqft$1200
Est. value (own analysis)$3,234,396
Rent estimate (own analysis)$20,000/mo
HOANone
Wind10/10Extreme$Heat10/10ExtremeFlood3/10moderate$Air2/10MinorWildfire1/10Minimal
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Statusfor_sale
Listed date2025-08-31
Removed date—
MLSMiamiMLS #A11869538
Coordinates25.73400, -80.27670
Address4001 Santa Maria St
CityCoral Gables
StateFL
Zip33146
Listing ID5540731094
Sourceus-real-estate-listings, cached 2026-08-31
ZIP market snapshot (33146)
Typical home value (ZHVI)$1,955,688
Typical rent (ZORI)$3,608/mo
Zillow Research's ZHVI (home value index) and ZORI (rent index) for this ZIP, as of 2026-07 — free published data, refreshed monthly, no RentCast quota spent. "Typical value/rent" is a smoothed index, not a literal median of active listings.
Underwriting (buy-and-hold, default assumptions)
| Acquisition (one-time, not monthly/yearly) | |
| Purchase price | $3,800,000 |
| Down payment (20.0%) | $760,000 |
| Loan amount | $3,040,000 |
| Closing costs (5.0%) | $190,000 |
| Total cash to close | $950,000 |
| Income | |
| Rent (comp-derived) | $20,000$240,000 |
| Vacancy loss (8.0%) | |
| Effective gross income | $18,400$220,800 |
| Operating expenses | |
| Property tax (placeholder 1.9% of price) | $6,017$72,200 |
| Insurance (est. scaled by flood & wind risk) | $4,053$48,640 |
| HOA dues | $0$0 |
| Management (0.0% of EGI) | $0$0 |
| Maintenance (5.0% of GSR) | $1,000$12,000 |
| Total operating expenses | $11,070$132,840 |
| Net operating income (NOI) | |
| Debt service & reserves | |
| Debt service (6.66%, avg 30yr rate as of 2026-08-27, 30yr amortizing) | |
| CapEx reserve (5.0% of GSR) | $1,000$12,000 |
| Mortgage insurance (PMI) (0.0% of loan, not required — down payment ≥ 20%) | $0$0 |
| Cash flow |
Cap rate
Cash-on-cash
DSCR
Rent-to-price (1% rule)
Gross rent multiplier
Operating expense ratio
Break-even occupancy
Comparables
Same ZIP. Real active rental listings, used to derive the rent estimate above.
| Address | Type | Beds | Baths | Sqft | Asking rent | Listed | Days on market |
|---|---|---|---|---|---|---|---|
| single_family | 5 | 5 | 5,688 | $20,000 | 2026-04-01 | — | |
| single_family | 5 | 4 | 3,734 | $16,000 | 2026-05-29 | — | |
| single_family | 5 | 5 | 4,313 | $29,500 | 2026-05-08 | — |
Same ZIP & bedroom count. Closed sales from Realtor.com over the last 12 months, matched to this property's type — real transaction prices, not asking prices. Falls back to Miami-Dade County public records (property appraiser tax roll) when Realtor.com has no sales on file for the area.
| Address | Type | Beds | Baths | Living sqft | Sale price | Sale date |
|---|---|---|---|---|---|---|
| 6825 Riviera Dr | single_family | 5 | 4 | 3,401 | $2,675,000 | 2026-07-14 |
| 1426 Robbia Ave | single_family | 5 | 3 | 2,912 | $3,200,000 | 2026-06-17 |
| 1515 Urbino Ave | single_family | 5 | 7 | 4,111 | $5,100,000 | 2026-05-29 |
| 4819 University Dr | single_family | 5 | 4 | 3,451 | $3,850,000 | 2026-04-16 |
| 6636 Riviera Dr | single_family | 5 | 6 | 6,299 | $8,000,000 | 2026-04-03 |
| 4144 Pinta Ct | single_family | 5 | 4 | 4,329 | $5,200,000 | 2026-03-09 |
| 1033 Hardee Rd | single_family | 5 | 5 | 3,432 | $3,500,000 | 2026-01-20 |
| 1522 Zuleta Ave | single_family | 5 | 3 | 2,599 | $1,675,000 | 2025-11-12 |
| 1511 Alegriano Ave | single_family | 5 | 6 | 3,842 | $3,925,000 | 2025-10-29 |
| 1510 Sarria Ave | single_family | 5 | 5 | 3,360 | $3,025,000 | 2025-09-26 |
| 5008 Alhambra Cir | single_family | 5 | 5 | 2,630 | $1,337,500 | 2025-09-19 |
Same ZIP. Other properties currently for sale nearby — asking prices, not closed sale prices. Not a price comp; see Sold comps for actual transaction history.
| Address | Type | Beds | Baths | Sqft | Asking price | Days on market |
|---|---|---|---|---|---|---|
| 4041 S Le Jeune Rd | single_family | 5 | 6 | 4,208 | $7,550,000 | — |
| 1220 S Alhambra Cir | single_family | 5 | 6 | 4,074 | $5,950,000 | — |
| 1015 Bayamo Ave | single_family | 5 | 4 | 3,317 | $4,495,000 | — |
| 4128 Pinta Ct | single_family | 5 | 5 | 3,672 | $4,300,000 | — |
| 5111 Alhambra Cir | single_family | 5 | 6 | 4,214 | $5,750,000 | — |
| 6900 Barquera St | single_family | 5 | 6 | 4,993 | $5,290,000 | — |
| 4716 University Dr | single_family | 5 | 4 | 4,024 | $4,100,000 | — |
| 475 Amalfi Ave | single_family | 5 | 5 | 5,084 | $7,350,000 | — |
10-year hold projection
IRR-1.1%
Equity multiple0.82x
Total return (10yr)$323,653
| Year | Property value | NOI | Cash flow | Loan balance | Equity |
|---|---|---|---|---|---|
| 1 | $3,914,000 | $87,960 | -$158,470 | $3,007,040 | $906,960 |
| 2 | $4,031,420 | $91,263 | -$155,467 | $2,971,816 | $1,059,604 |
| 3 | $4,152,363 | $94,682 | -$152,356 | $2,934,173 | $1,218,189 |
| 4 | $4,276,933 | $98,220 | -$149,133 | $2,893,946 | $1,382,988 |
| 5 | $4,405,241 | $101,882 | -$145,794 | $2,850,955 | $1,554,286 |
| 6 | $4,537,399 | $105,671 | -$142,336 | $2,805,013 | $1,732,386 |
| 7 | $4,673,521 | $109,593 | -$138,754 | $2,755,916 | $1,917,605 |
| 8 | $4,813,726 | $113,651 | -$135,043 | $2,703,447 | $2,110,279 |
| 9 | $4,958,138 | $117,850 | -$131,201 | $2,647,376 | $2,310,763 |
| 10 | $5,106,882 | $122,195 | -$127,222 | $2,587,453 | $2,519,429 |
Assumes 3.0% annual rent growth, 2.5% expense growth, 3.0% appreciation, and a 6.0% selling cost at exit — all placeholder assumptions, not market-derived.